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Start saving for Christmas now, urges Credit Unions of Wales

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credit unionHAVING passed the halfway to Christmas mark, the Credit Unions of Wales are encouraging families to start saving now to put a stop to money worries during this year’s festive season. People in Wales are the second highest Christmas spenders in the UK, with the average Welsh household spending £596 on gifts each year. By setting aside £24 a week from this week on, families will be able to save their annual spend in advance of Christmas. This way they can avoid falling into debt and will only pay as much as they spend, rather than having to pay back interest on top of a loan to help them cover the cost. There are 21 credit unions in Wales and many of them offer special Christmas Saver accounts which ‘lock’ your monthly savings until November. This means you can only access your savings when it’s time for present shopping and won’t be tempted to spend them on something else before Christmas arrives. Several also offer incentives, such as a £10 bonus so people can start saving straight away or entering all account holders into a December prize draw. Many credit unions across Wales also offer low-interest Christmas loans which can be paid off within a year with small weekly payments. One example is Cardigan-based West Wales Credit Union which offers a £100 Christmas loan with weekly payments of £2.33 and a total repayment of £112.70. The Credit Unions of Wales have recently joined forces to participate in a Wales-wide marketing campaign to encourage more people to save, borrow or invest with their local credit union. Campaign spokesperson and General Manager of North Wales Credit Union, Barry Roberts, said: “Thousands of households across Wales struggle to balance their gift budgets with paying bills on time, but thankfully Christmas isn’t one of those unforeseen expenses such as a broken boiler or car repairs so you can prepare for it. “We’d always recommend saving in advance for such occasions so that you’ve already covered the cost before you incur it and by starting now you’ll be well ahead. “If you don’t manage to save everything you need in time, we also offer Christmas loans with much lower interest rates than payday lenders and we make sure you only borrow as much as you can afford. “With all of the sales on over the summer, it’s even worth thinking about taking out a loan now so that you can get your gifts at a better price and pay off the cost before Christmas arrives.” Credit unions are regulated by the same supervisory bodies as banks and customers’ savings are protected by the Financial Services Compensation Scheme, but credit unions offer additional member benefits such as no hidden admin costs, set-up fees or early repayment charges. Credit unions have no third party shareholders which means dividends are paid to savers instead, and they don’t rely on automated credit checks so all loan decisions are ultimately made by a real person. There are 21 Credit Unions across Wales, which means that everyone in Wales has a local credit union they can join. To find yours, visit www. creditunionsofwales.co.uk

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Community

Tractor run lights up Pembrokeshire and raises funds for charity

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THE PEMBROKESHIRE ILLUMINATED TRACTOR RUN took place today (Dec 21), raising funds for two vital charities: the Catrin Vaughan Foundation and Wales Air Ambulance.

Starting at Clarbeston Road AFC at 6:00pm, the brightly lit convoy of nearly 200 tractors made its way through Withybush Hospital and Haverfordwest High Street before finishing at the Pembrokeshire County Showground.

The annual event has become a highlight of the festive calendar, drawing large crowds to witness the spectacle of tractors adorned with colourful lights and decorations.

Funds raised from the event will support the Catrin Vaughan Foundation, which provides crucial assistance to families facing hardship, and the Wales Air Ambulance, delivering life-saving emergency medical care across the region.

Organisers praised the dedication of local farmers and volunteers, whose commitment ensures the event’s continued success year after year.

(Image: Nia Marshall/Facebook)

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Community

Festive celebrations at St Davids Cathedral this weekend

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ST DAVIDS Cathedral is set to host two special events on Sunday (Dec 22), offering a blend of joyful participation and traditional carol singing to mark the Christmas season.

In the morning, families are invited to the Scratch Nativity at 11:00am. Attendees are encouraged to come dressed as wise men, angels, sheep, or shepherds and take part in an unrehearsed retelling of the Christmas story. Canon Leigh described the event as: “Complete, wonderful chaos for an hour… but with some poignant, thought-provoking moments to centre ourselves on the real meaning of Christmas.”

Later in the evening, the Festival of Nine Lessons and Carols by Candlelight will take place at 7:00pm, featuring the Cathedral Choir. The event, steeped in tradition, will see the cathedral bathed in candlelight as carols and scripture readings fill the historic space.

Doors will open at 5:45pm for those seeking unreserved seating, and a large turnout is expected for this beloved Christmas celebration.

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Community

Restoration of a pond hopes to support biodiversity in Pembrokeshire 

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AN OLD millpond at the heart of the Wallis and Ambleston community, and a site of Special Scientific Interest, has now been improved to benefit water quality and increase biodiversity in an area of South Wales, thanks to funding from Nestlé Waters UK. 

Wallis Pond was created in 1836 as part of the tributary of the Wester Cleddau River to supply water to a local mill. Back in 1978, it was restored and later re-opened by HRH King Charles III, the then Prince of Wales.  

Over the years, the pond had become completely silted up, restricting the waters passage and the pond’s ability to retain water, resulting in a reduced diversity of habitat in and around the millpond.  

Pembrokeshire County Council, Heavyside Landscapes and Nestlé Waters UK have come together to restore the millpond with regulatory guidance from Natural Resources Wales and support from the Ambleston Community Council. 

The project saw the pond re-dug and de-silted, and the old sluice gate replaced to re-establish the millpond. With the pond now able to hold more water, it is hoped to help build resilience to the increased frequency and intensity of storm events, alleviating the risk of flooding in the local area.   

Retention of flows in the pond for a longer time should help reduce silt build-up and prevent nutrients such as phosphates and nitrates from travelling downstream in the Cleddau catchment, helping to protect water quality, improve aquatic habitats, and encourage eels, otters, damselflies, and other wildlife species.  

Restoration of Wallis Pond is one of the projects that Nestlé Waters is working on as part of its efforts to help regenerate local water cycles and create a positive water impact everywhere the company operates. 

Matthew Faulkner, Factory Manager at the Nestlé Waters site in Princes Gate, said: “We are proud to be a part of the Wallis Pond restoration work, aimed at delivering long-lasting benefits in Pembrokeshire, where we bottle at source Princes Gate and Nestlé Pure Life waters. This beautiful landscape is not only our home, but also home to some incredible flora and fauna which are vital for keeping the area rich and thriving in biodiversity.  

“We’re working hard to protect this land and the water beneath our feet. Water is a shared resource and a shared responsibility, and caring for it takes the whole community. That’s why we’re grateful to be working with partners on this project that will hopefully have a positive impact on the local ecosystem and community.” 

Cllr Rhys Sinnett, Cabinet Member for Residents’ Services at the Pembrokeshire County Council, said: “We welcome this funding to enhance the biodiversity in Wallis Pond which can be enjoyed by the residents of Ambleston, the wider communities in Pembrokeshire and the visitors to our fantastic county. 

“This is an excellent example of partnership working that has significant benefits for the environment and the wellbeing of generations to come.”  

Eirian Forrest, Clerk at the Ambleston Community Council, said: “We are grateful to Nestlé Waters UK for the funding and wish to thank everyone who has been involved in this project, especially the Pembrokeshire County Council team, for pushing the project forwards. 

“The Community Council are delighted that the work has finally been done and look forward to the positive impact it will have on biodiversity. We have already received many positive comments from members of the community. The improved pond encourages locals to take a walk around the area, as well as sit down to watch and enjoy the wildlife.”   

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